Call reports 2008
SAVINGS BANK OF MENDOCINO COUNTY — 2008
What SAVINGS BANK OF MENDOCINO COUNTY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 743,626,000 | 738,465,000 | 746,776,000 | 737,996,000 |
| Total loans | 390,534,000 | 373,588,000 | 370,631,000 | 374,931,000 |
| Allowance for loan losses | 10,087,000 | 9,144,000 | 6,566,000 | 7,321,000 |
| Securities available for sale | 153,915,000 | 182,488,000 | 172,385,000 | 195,526,000 |
| Securities held to maturity | 135,436,000 | 132,956,000 | 129,038,000 | 121,825,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 627,829,000 | 623,292,000 | 644,781,000 | 630,772,000 |
| Interest-bearing deposits | 548,068,000 | 541,553,000 | 553,788,000 | 554,108,000 |
| Noninterest-bearing deposits | 79,761,000 | 81,739,000 | 90,993,000 | 76,664,000 |
| Equity capital | 114,130,000 | 113,372,000 | 100,403,000 | 105,405,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 10,336,000 | 20,549,000 | 30,725,000 | 40,523,000 |
| Interest expense | 4,579,000 | 8,690,000 | 12,634,000 | 16,416,000 |
| Net interest income | 5,757,000 | 11,859,000 | 18,091,000 | 24,107,000 |
| Noninterest income | 907,000 | 1,793,000 | 3,123,000 | 3,947,000 |
| Noninterest expense | 4,161,000 | 8,249,000 | 11,588,000 | 15,823,000 |
| Provision for loan losses | 1,150,000 | 2,300,000 | 4,450,000 | 5,600,000 |
| Pretax income | 1,353,000 | 3,103,000 | -9,046,000 | -7,591,000 |
| Income tax | 112,000 | 374,000 | -5,173,000 | -5,006,000 |
| Net income | 1,241,000 | 2,729,000 | -3,873,000 | -2,585,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 113,860,000 | 114,682,000 | 107,416,000 | 108,039,000 |
| Total capital | 120,870,000 | 121,855,000 | 113,982,000 | 115,301,000 |
| Risk-weighted assets | 557,684,000 | 571,897,000 | 580,265,000 | 580,962,000 |
Machine access — free, no API key
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